:root{
  --bg:#fbfaf8;
  --surface:#f4f3f8;
  --card:rgba(255,255,255,.9);
  --stroke:rgba(0,0,0,.06);
  --stroke-2:rgba(0,0,0,.1);
  --ink:#1c191f;
  --ink2:#4b4653;
  --ink3:#6f6b77;
  --accent:#d6a678;
  --accent-soft:#f7ebdb;
  --accent-cool:#d6e6fa;
  --success:#57a17a;
  --radius:28px;
  --radius-lg:36px;
  --shadow:0 18px 42px rgba(0,0,0,.07);
  --shadow-lg:0 32px 90px rgba(0,0,0,.12);
  --nav-h:76px;
  --container:1180px;
  --ease:cubic-bezier(.22,1,.36,1);
  --safe-top:env(safe-area-inset-top, 0px);
  --safe-bottom:env(safe-area-inset-bottom, 0px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:
    radial-gradient(40rem 40rem at 10% 0%, rgba(214,166,120,.12), transparent 55%),
    radial-gradient(38rem 38rem at 90% 0%, rgba(214,230,250,.18), transparent 50%),
    linear-gradient(135deg,#fbfaf8 0%, #fff 50%, #fcf5ee 100%);
  font-family:ui-sans-serif, -apple-system, BlinkMacSystemFont, "SF Pro Text", "Helvetica Neue", Arial, sans-serif;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  padding-bottom:var(--safe-bottom);
}
a{color:inherit;text-decoration:none}
img,svg{display:block;max-width:100%}
button,input,select,textarea{font:inherit}
button,a{-webkit-tap-highlight-color:transparent}
.container{width:min(var(--container), calc(100% - 32px)); margin-inline:auto}
.reveal{opacity:0; transform:translateY(26px) scale(.99); filter:blur(8px); transition:opacity .8s var(--ease), transform .8s var(--ease), filter .8s var(--ease)}
.reveal.is-visible{opacity:1; transform:none; filter:none}
.skip-link{
  position:absolute; left:16px; top:-100px; z-index:999;
  background:var(--ink); color:#fff; padding:12px 16px; border-radius:999px;
}
.skip-link:focus{top:16px}
.site-nav{
  position:fixed; inset:0 0 auto; height:calc(var(--nav-h) + var(--safe-top)); z-index:120;
  padding-top:var(--safe-top);
  background:rgba(251,250,248,.8); backdrop-filter:blur(18px) saturate(170%);
  border-bottom:1px solid rgba(255,255,255,.55);
  box-shadow:0 8px 28px rgba(0,0,0,.04);
}
.nav-wrap{min-height:var(--nav-h); display:flex; align-items:center; justify-content:space-between; gap:18px}
.brand{display:inline-flex; align-items:center; gap:12px; font-weight:800; letter-spacing:-.02em}
.brand-mark{
  width:42px; height:42px; border-radius:14px; background:linear-gradient(160deg,#1c191f,#302a38);
  display:grid; place-items:center; color:#fff; box-shadow:0 14px 30px rgba(0,0,0,.16)
}
.brand-mark::before{
  content:""; width:18px; height:18px; border:2px solid rgba(255,255,255,.92); border-radius:999px; display:block;
  box-shadow:inset 0 0 0 4px rgba(214,166,120,.9);
}
.nav-links{display:flex; gap:10px; align-items:center; flex-wrap:wrap}
.nav-links a{
  padding:10px 14px; border-radius:999px; color:var(--ink3); font-size:14px; font-weight:700;
  transition:background .25s ease,color .25s ease, transform .25s ease;
}
.nav-links a:hover,.nav-links a.is-active{background:rgba(255,255,255,.78); color:var(--ink); transform:translateY(-1px)}
.nav-actions{display:flex; gap:10px; align-items:center}
.nav-badge{
  padding:8px 12px; border-radius:999px; background:rgba(87,161,122,.12); color:var(--success);
  border:1px solid rgba(87,161,122,.18); font-size:12px; font-weight:800; letter-spacing:.06em; text-transform:uppercase;
}
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  min-height:54px; padding:14px 22px; border-radius:999px; border:1px solid transparent;
  font-weight:800; letter-spacing:-.01em; transition:transform .28s var(--ease), box-shadow .28s var(--ease), background .28s ease, color .28s ease;
}
.btn-primary{background:linear-gradient(180deg,#1c191f,#2c2731); color:#fff; box-shadow:0 16px 38px rgba(0,0,0,.16)}
.btn-primary:hover{transform:translateY(-2px); box-shadow:0 22px 52px rgba(0,0,0,.22)}
.btn-secondary{background:rgba(255,255,255,.8); border-color:rgba(0,0,0,.08); color:var(--ink); box-shadow:0 12px 28px rgba(0,0,0,.06)}
.btn-secondary:hover{transform:translateY(-2px)}
.hero{
  padding-top:calc(var(--nav-h) + var(--safe-top) + 42px); padding-bottom:58px; overflow:hidden;
}
.hero-grid{display:grid; grid-template-columns:minmax(0,1fr) minmax(320px, .9fr); gap:42px; align-items:center}
.eyebrow{
  display:inline-flex; align-items:center; gap:10px; padding:10px 14px; border-radius:999px;
  background:rgba(255,255,255,.78); border:1px solid rgba(255,255,255,.8); box-shadow:0 10px 22px rgba(0,0,0,.05);
  font-size:12px; font-weight:800; letter-spacing:.08em; text-transform:uppercase; color:var(--ink3)
}
.eyebrow::before{
  content:""; width:8px; height:8px; border-radius:999px; background:var(--accent); box-shadow:0 0 0 0 rgba(214,166,120,.3); animation:pulse 2.6s infinite;
}
.hero h1{
  margin:20px 0 0; font-size:clamp(42px, 7vw, 76px); line-height:.98; letter-spacing:-.06em; font-weight:900; max-width:12ch;
  font-family:ui-rounded, "SF Pro Rounded", "SF Pro Display", ui-sans-serif, system-ui, sans-serif;
}
.hero p.lead{
  margin:18px 0 0; max-width:62ch; font-size:18px; color:var(--ink3); line-height:1.72;
}
.chip-row{display:flex; flex-wrap:wrap; gap:10px; margin-top:24px}
.chip{
  display:inline-flex; align-items:center; gap:8px; padding:10px 12px; border-radius:999px;
  background:rgba(255,255,255,.78); border:1px solid rgba(255,255,255,.84); font-size:13px; font-weight:700; color:var(--ink2);
  box-shadow:0 10px 18px rgba(0,0,0,.04)
}
.hero-actions{display:flex; flex-wrap:wrap; gap:12px; margin-top:28px}
.hero-note{margin-top:16px; font-size:13px; color:var(--ink3); font-weight:700}
.hero-card{
  background:linear-gradient(180deg, rgba(255,255,255,.92), rgba(255,255,255,.78));
  border:1px solid rgba(255,255,255,.82); border-radius:34px; padding:22px; box-shadow:var(--shadow-lg); backdrop-filter:blur(18px);
}
.hero-card h2{margin:0; font-size:28px; line-height:1.05; letter-spacing:-.04em; font-weight:800; font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif}
.hero-card p{margin:12px 0 0; color:var(--ink3); font-size:15px}
.metric-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:12px; margin-top:18px}
.metric{
  padding:16px; border-radius:22px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.86); box-shadow:0 12px 22px rgba(0,0,0,.04)
}
.metric small{display:block; font-size:11px; font-weight:800; letter-spacing:.08em; text-transform:uppercase; color:var(--ink3)}
.metric strong{display:block; margin-top:6px; font-size:20px; line-height:1.08; letter-spacing:-.04em; font-weight:900}
.section{padding:94px 0}
.section-head{max-width:760px; margin:0 auto 52px; text-align:center}
.section-head h2{
  margin:16px 0 0; font-size:clamp(34px,5vw,58px); line-height:1.04; letter-spacing:-.05em; font-weight:900;
  font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif
}
.section-head p{margin:16px auto 0; max-width:60ch; color:var(--ink3); font-size:17px}
.article-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:18px}
.article-card{
  display:flex; flex-direction:column; gap:14px; padding:24px; border-radius:30px; background:rgba(255,255,255,.86);
  border:1px solid rgba(255,255,255,.86); box-shadow:var(--shadow); transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .3s ease;
}
.article-card:hover{transform:translateY(-6px); box-shadow:0 28px 60px rgba(0,0,0,.11); border-color:rgba(214,166,120,.24)}
.article-card .card-top{display:flex; align-items:flex-start; justify-content:space-between; gap:12px}
.tag{display:inline-flex; align-items:center; gap:8px; padding:8px 12px; border-radius:999px; background:rgba(247,235,219,.9); font-size:12px; font-weight:800; color:var(--ink2)}
.article-card h3{margin:2px 0 0; font-size:26px; line-height:1.08; letter-spacing:-.04em; font-weight:800; font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif}
.article-card p{margin:0; color:var(--ink3); font-size:15px}
.meta-row{display:flex; flex-wrap:wrap; gap:10px; font-size:12px; color:var(--ink3); font-weight:700}
.link-row{margin-top:auto; display:flex; justify-content:space-between; align-items:center; gap:12px}
.link-row span{font-size:14px; font-weight:800; color:var(--ink)}
.link-row .arrow{width:42px; height:42px; border-radius:14px; display:grid; place-items:center; background:var(--ink); color:#fff}
.callout{
  padding:22px; border-radius:28px; background:linear-gradient(135deg, rgba(255,255,255,.94), rgba(247,235,219,.82), rgba(214,230,250,.8));
  border:1px solid rgba(255,255,255,.82); box-shadow:var(--shadow)
}
.callout h3{margin:0; font-size:28px; line-height:1.06; letter-spacing:-.04em; font-weight:800; font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif}
.callout p{margin:10px 0 0; color:var(--ink3)}
.columns{display:grid; grid-template-columns:1.1fr .9fr; gap:22px; align-items:start}
.roadmap{
  padding:0; list-style:none; display:grid; gap:12px; margin:0
}
.roadmap li{
  padding:16px 18px; border-radius:22px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.86);
  box-shadow:0 12px 22px rgba(0,0,0,.04)
}
.roadmap strong{display:block; font-size:16px}
.roadmap span{display:block; margin-top:6px; color:var(--ink3); font-size:14px}
.article-shell{padding-top:calc(var(--nav-h) + var(--safe-top) + 24px)}
.article-layout{display:grid; grid-template-columns:minmax(0, 1fr) 300px; gap:28px; align-items:start}
.article-main{min-width:0}
.article-hero{
  padding:28px; border-radius:34px; background:linear-gradient(135deg, rgba(255,255,255,.96), rgba(247,235,219,.86), rgba(214,230,250,.78));
  border:1px solid rgba(255,255,255,.84); box-shadow:var(--shadow-lg)
}
.article-meta{display:flex; flex-wrap:wrap; gap:10px; margin-top:18px}
.meta-pill{
  padding:9px 12px; border-radius:999px; background:rgba(255,255,255,.78); border:1px solid rgba(255,255,255,.84); font-size:12px; font-weight:800; color:var(--ink3)
}
.quick-answer{
  margin-top:18px; padding:18px 20px; border-radius:24px; background:rgba(255,255,255,.8); border:1px solid rgba(255,255,255,.84)
}
.quick-answer strong{display:block; font-size:15px}
.toc{
  position:sticky; top:calc(var(--nav-h) + 16px); padding:20px; border-radius:26px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.84); box-shadow:var(--shadow)
}
.toc h3{margin:0 0 12px; font-size:14px; text-transform:uppercase; letter-spacing:.08em; color:var(--ink3)}
.toc a{display:block; padding:10px 0; color:var(--ink2); font-size:14px; font-weight:700; border-top:1px solid rgba(0,0,0,.06)}
.toc a:first-of-type{border-top:0; padding-top:0}
.content-block{
  margin-top:22px; padding:24px; border-radius:30px; background:rgba(255,255,255,.86); border:1px solid rgba(255,255,255,.84); box-shadow:var(--shadow)
}
.content-block h2{
  margin:0; font-size:30px; line-height:1.08; letter-spacing:-.04em; font-weight:800; font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif
}
.content-block h3{
  margin:20px 0 0; font-size:22px; line-height:1.12; letter-spacing:-.03em; font-weight:800
}
.content-block p{margin:14px 0 0; color:var(--ink2); font-size:16px}
.content-block ul{margin:14px 0 0; padding-left:18px; color:var(--ink2)}
.content-block li{margin-top:8px}
.note{
  margin-top:16px; padding:14px 16px; border-radius:18px; background:rgba(214,230,250,.44); border:1px solid rgba(214,230,250,.72); font-size:14px; color:var(--ink2)
}
.calculator{
  margin-top:18px; padding:20px; border-radius:28px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.84); box-shadow:0 16px 32px rgba(0,0,0,.05)
}
.calc-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:12px}
.field{display:grid; gap:8px}
.field label{font-size:13px; font-weight:800; color:var(--ink2)}
.field input,.field select{
  min-height:48px; border-radius:16px; border:1px solid rgba(0,0,0,.08); background:#fff; padding:0 14px; color:var(--ink)
}
.calc-results{display:grid; grid-template-columns:repeat(4,1fr); gap:12px; margin-top:16px}
.result-card{
  padding:16px; border-radius:22px; background:linear-gradient(180deg, rgba(255,255,255,.98), rgba(247,235,219,.74)); border:1px solid rgba(255,255,255,.86); box-shadow:0 12px 22px rgba(0,0,0,.04)
}
.result-card small{display:block; font-size:11px; letter-spacing:.08em; text-transform:uppercase; font-weight:800; color:var(--ink3)}
.result-card strong{display:block; margin-top:6px; font-size:22px; line-height:1.08; letter-spacing:-.04em; font-weight:900}
.compare-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-top:16px}
.compare-card{
  padding:18px; border-radius:24px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.86)
}
.compare-card h4{margin:0; font-size:18px}
.compare-card p{margin:10px 0 0; font-size:14px}
.faq-list{display:grid; gap:12px; margin-top:16px}
details.faq{
  border-radius:22px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.86); padding:0 18px;
}
details.faq summary{
  list-style:none; cursor:pointer; padding:18px 0; font-weight:800; display:flex; align-items:center; justify-content:space-between; gap:12px
}
details.faq summary::-webkit-details-marker{display:none}
details.faq p{padding:0 0 18px; margin:0; color:var(--ink3)}
.related-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:16px}
.cta-band{
  margin-top:22px; padding:28px; border-radius:32px; background:linear-gradient(180deg,#1c191f,#302a38); color:#fff; box-shadow:var(--shadow-lg)
}
.cta-band h3{margin:0; font-size:34px; line-height:1.04; letter-spacing:-.05em; font-weight:900; font-family:ui-rounded, "SF Pro Rounded", ui-sans-serif}
.cta-band p{margin:14px 0 0; color:rgba(255,255,255,.68)}
.cta-band .cta-actions{margin-top:22px}
footer{
  padding:36px 0 54px; color:var(--ink3)
}
.footer-shell{
  padding:24px; border-radius:28px; background:rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.84); box-shadow:var(--shadow);
  display:flex; justify-content:space-between; gap:18px; flex-wrap:wrap
}
.footer-shell p{margin:0; max-width:52ch; font-size:14px}
.footer-links{display:flex; gap:10px; flex-wrap:wrap}
.footer-links a{padding:10px 12px; border-radius:999px; background:rgba(255,255,255,.86); border:1px solid rgba(0,0,0,.06); font-size:13px; font-weight:700}
@keyframes pulse{
  0%{box-shadow:0 0 0 0 rgba(214,166,120,.34)}
  70%{box-shadow:0 0 0 12px rgba(214,166,120,0)}
  100%{box-shadow:0 0 0 0 rgba(214,166,120,0)}
}
@media (max-width:1100px){
  .article-grid{grid-template-columns:repeat(2,1fr)}
  .article-layout,.columns,.hero-grid{grid-template-columns:1fr}
  .toc{position:relative; top:0}
}
@media (max-width:760px){
  .site-nav{height:auto}
  .nav-wrap{align-items:flex-start; flex-wrap:wrap; gap:12px; padding-bottom:10px}
  .nav-links{
    display:flex;
    order:3;
    width:100%;
    gap:8px;
    flex-wrap:nowrap;
    overflow-x:auto;
    padding-bottom:2px;
    margin-top:2px;
    scrollbar-width:none;
    -webkit-overflow-scrolling:touch;
  }
  .nav-links::-webkit-scrollbar{display:none}
  .nav-links a{
    flex:0 0 auto;
    white-space:nowrap;
    background:rgba(255,255,255,.82);
    border:1px solid rgba(0,0,0,.06);
    box-shadow:0 8px 18px rgba(0,0,0,.04);
  }
  .nav-badge{display:none}
  .nav-actions{margin-left:auto}
  .nav-actions .btn{
    min-height:46px;
    padding:12px 18px;
    width:auto;
    white-space:nowrap;
  }
  .hero{padding-top:calc(var(--nav-h) + var(--safe-top) + 86px)}
  .article-shell{padding-top:calc(var(--nav-h) + var(--safe-top) + 78px)}
  .hero h1{max-width:none}
  .chip-row{
    flex-wrap:nowrap;
    overflow-x:auto;
    padding-bottom:2px;
    scrollbar-width:none;
    -webkit-overflow-scrolling:touch;
  }
  .chip-row::-webkit-scrollbar{display:none}
  .chip{flex:0 0 auto; white-space:nowrap}
  .hero-actions{flex-direction:column}
  .btn{width:100%}
  .metric-grid,.calc-grid,.calc-results,.compare-grid,.related-grid,.article-grid{grid-template-columns:1fr}
  .article-hero,.content-block,.cta-band,.hero-card{padding:22px}
  .toc{
    order:-1;
    position:sticky;
    top:calc(var(--nav-h) + var(--safe-top) + 64px);
    display:flex;
    align-items:center;
    gap:8px;
    overflow-x:auto;
    padding:12px;
    scrollbar-width:none;
    -webkit-overflow-scrolling:touch;
  }
  .toc::-webkit-scrollbar{display:none}
  .toc h3{display:none}
  .toc a{
    flex:0 0 auto;
    white-space:nowrap;
    padding:10px 12px;
    border-top:0;
    border-radius:999px;
    background:rgba(255,255,255,.88);
    border:1px solid rgba(0,0,0,.06);
  }
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none !important; transition:none !important}
}